---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-21-051941"
form_type: "8-K"
ticker: "QNBC"
cik: "0000750558"
company_name: "QNB CORP."
filed_at: "2021-10-26T23:59:59+00:00"
generated_at: "2026-06-28T18:14:01.843645+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# QNB Corp Q3 EPS $0.96 vs $1.07 YoY; nine-month net income rises to record $12.34M

## Summary
- Q3 2021 net income $3.42M ($0.96 diluted EPS) vs $3.78M ($1.07) in Q3 2020.
- Nine-month net income $12.34M ($3.47 EPS), a record, up from $7.93M ($2.25) prior year.
- Net interest income $10.58M (+$1.25M YoY); net interest margin 2.72% vs 2.78%.
- No provision for loan losses in Q3 compared to $250K in Q3 2020; NPL ratio 1.31%.
- Total assets $1.66B; deposits up 16.6% to $1.43B; loans ex-PPP grew 5.4%.

## SEC filing metadata
- accession: 0001564590-21-051941
- form_type: 8-K
- ticker: QNBC
- cik: 0000750558
- company_name: QNB CORP.
- filed_at: 2021-10-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750558/000156459021051941/0001564590-21-051941-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750558/000156459021051941/qnbc-8k_20211026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-21-051941
- JSON: https://secwatch.observer/filing/0001564590-21-051941.json
- Plain text: https://secwatch.observer/filing/0001564590-21-051941.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.